Social Security Calculator
Your estimated monthly benefit — clearly an estimate.
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Your Results
Est. monthly benefit$2,681.00
Est. annual benefit$32,171.00
PIA (full retirement age)$2,681.00
Rough estimate using 2026 bend points and today's income. Actual benefits use your 35 highest-earning years — check ssa.gov for your real statement.
Frequently Asked Questions
When should I claim Social Security?
Full retirement age is 67 for anyone born after 1960. Claiming at 62 cuts benefits ~30% permanently; waiting to 70 adds ~8% per year. The right choice depends on your health, savings, and lifespan expectations.
Is my benefit taxed?
Up to 85% of Social Security benefits can be taxed if your combined income exceeds $25k (single) or $32k (married). About 40% of beneficiaries owe tax on some portion.
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